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Enter offers to compare
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Savings
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Best Monthly
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Lowest payment
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Interest Saved
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Best vs worst
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Best Total Cost
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Principal + interest
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Rate Spread
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Highest vs lowest
🎯 The Verdict
Enter your mortgage offers below.
🏦 Offer A
Gold border = this offer
🏦 Offer B
Compare against A
📊 Side-by-Side Results
Total cost comparison
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Full Cost Breakdown
Principal vs interest for each offer
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Extra Payment Impact
How paying extra saves years and thousands
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Amortization Snapshot
Balance remaining at key milestones
Monthly Payment
Total Interest
Total Cost
Balance Over Time
Mortgage Comparison Report
Vault & Vessel Studio ·
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How To Use
Compare mortgage offers — see total cost, not just monthly payment
🚀 Getting Started
1
Enter Offer A
Loan amount, interest rate, and term from the first lender's offer.
2
Enter Offer B
Same details from the second lender. Different rate? Different term? Both matter.
3
See the Winner
Total cost, total interest, monthly payment — all compared side by side.
4
Test Extra Payments
See how $100-$500 extra per month saves you years and tens of thousands in interest.
📊 Terms Made Simple
Total Interest: The true price of borrowing. On a $340K loan at 6.875% for 30 years, you pay ~$464K in interest alone — more than the house costs. This is the number to minimize.
APR vs Rate: The rate is the interest percentage. APR includes fees, points, and closing costs rolled in. A lower rate with high fees can cost MORE than a slightly higher rate with no fees.
15 vs 30 Year: 15-year has higher monthly payments but WAY less total interest. A $340K loan at 6.5%: 30yr = $773K total. 15yr = $512K total. That's $261K saved.
Extra Payments: Paying $200 extra/month on a 30-year mortgage can cut 6-8 years off the loan and save $80-120K in interest. Every extra dollar goes straight to principal.
🔒 Your Data, Your Device
No subscription · Runs in your browser · Private local file
No data uploaded anywhere · Works 100% offline — no internet needed
No data uploaded anywhere · Works 100% offline — no internet needed
⚠️ This is a directional estimate, not a loan commitment. Actual terms depend on credit score, lender, and market conditions.